Patents by Inventor Miguel Cintron

Miguel Cintron has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 10990416
    Abstract: A mobile device includes an originally downloaded mobile application. When a location of the mobile device is detected within a configured distance of a target enterprise store location, configuration data for the target enterprise's mobile application and services are obtained and automatically sent to the mobile device. The configuration data is applied to the original mobile application. When the user launches the original mobile application from the mobile device, the executing instance of the mobile application is transformed into the target enterprise's mobile application connected to the target enterprise's mobile application services server. The executing instance of the mobile application includes the branding, design, features, and workflow of the target enterprise's mobile application.
    Type: Grant
    Filed: July 30, 2019
    Date of Patent: April 27, 2021
    Assignee: NCR Corporation
    Inventors: Kip Oliver Morgan, David Taylor Baker, Miguel Cintron, Sirang Taudray Woolheater
  • Publication number: 20210034378
    Abstract: A mobile device includes an originally downloaded mobile application. When a location of the mobile device is detected within a configured distance of a target enterprise store location, configuration data for the target enterprise's mobile application and services are obtained and automatically sent to the mobile device. The configuration data is applied to the original mobile application. When the user launches the original mobile application from the mobile device, the executing instance of the mobile application is transformed into the target enterprise's mobile application connected to the target enterprise's mobile application services server. The executing instance of the mobile application includes the branding, design, features, and workflow of the target enterprise's mobile application.
    Type: Application
    Filed: July 30, 2019
    Publication date: February 4, 2021
    Inventors: Kip Oliver Morgan, David Taylor Baker, Miguel Cintron, Sirang Taudray Woolheater
  • Publication number: 20140214677
    Abstract: A service provider computer receives a request for a transfer of a remittance amount from a sender's payment card account to a recipient without an account. The service provider computer transmits a transaction authorization request and a hold on the sender's payment card account for the remittance amount via a payment card system to the sender's financial institution (FI), receives transaction request approval, and establishes a transaction data record. The service provider computer then transmits the transaction identification code to the sender, receives a transaction identification code and a transaction data record validity request from a receiving FI, provides the transaction data record, and receives the transaction identification code and a newly issued recipient payment card account number from the receiving FI.
    Type: Application
    Filed: March 27, 2014
    Publication date: July 31, 2014
    Applicant: MasterCard International Incorporated
    Inventors: Shawn Hagmeier, Mark Wiesman, César Espinoza, Miguel Cintron
  • Patent number: 8706633
    Abstract: A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.
    Type: Grant
    Filed: November 5, 2010
    Date of Patent: April 22, 2014
    Assignee: Mastercard International Incorporated
    Inventors: Shawn Hagmeier, Mark Wiesman, César Espinoza, Miguel Cintron
  • Publication number: 20120116970
    Abstract: A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.
    Type: Application
    Filed: November 5, 2010
    Publication date: May 10, 2012
    Inventors: Shawn Hagmeier, Mark Wiesman, César Espinoza, Miguel Cintron
  • Patent number: 7996309
    Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.
    Type: Grant
    Filed: July 23, 2010
    Date of Patent: August 9, 2011
    Assignee: Bank of America Corporation
    Inventors: Thomas D. Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith A. Tucker, Eduardo J. Vergara
  • Publication number: 20100287100
    Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.
    Type: Application
    Filed: July 23, 2010
    Publication date: November 11, 2010
    Applicant: Bank of America Corporation
    Inventors: Thomas D. Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith A. Tucker, Eduardo J. Vergara
  • Patent number: 7797234
    Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.
    Type: Grant
    Filed: August 26, 2005
    Date of Patent: September 14, 2010
    Assignee: Bank of America Corporation
    Inventors: Thomas D. Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith A. Tucker, Eduardo J. Vergara
  • Publication number: 20070050291
    Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.
    Type: Application
    Filed: August 26, 2005
    Publication date: March 1, 2007
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Thomas Avazian, Miguel Cintron, Marcos Rosenberg, Claudia Tabacinic, Faith Tucker, Eduardo Vergara
  • Patent number: 5167566
    Abstract: A brassiere construction has breast cups provided with a central diagonally extending panel that is stretchable in vertical directions, and which is non-stretchable in horizontal directions, thus to accommodate different volumes of breast tissue falling within a determined range of volumes.
    Type: Grant
    Filed: April 14, 1992
    Date of Patent: December 1, 1992
    Assignee: Wacoal America, Inc.
    Inventors: Rosalie M. Novitsky, Harold Stern, Nancy Fishman, Miguel Cintron